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Please use this identifier to cite or link to this item: http://hdl.handle.net/123456789/8567

Title: Credit risk management practices among rural and community banks (rcbs) in Ghana(Case Study: Sekyere Rural Bank)
Authors: BOAKYE, DAVID
Issue Date: 8-Apr-2016
Abstract: This study of credit management– A Case Study of Sekyere Rural Bank is an attempt to point out the importance of credit management in financial institutions such as commercial banks, micro finances and others. Thus, the justification behind for undertaking this study is to deeply investigate the causes of credit management problems and to propose the possible solutions that facilitate the bank to run its operation in a safest way as credit is known to be the main stay of all banks. The ability of banks to formulate and adhere to policies and procedures that promote credit quality and curtail non-performing loans is the means to survive in the stiff competition. Inability to create and build up quality loans and credit worthy customers leads to default risk and bankruptcy as well as hampers economic growth of a country.However, little work is done to search the ways and means that enable to quality loan creation and growth as well as to determine the relationship between the theories, concepts and credit policies.The main objective of the study is to evaluate the performance of credit management of Sekyere Rural Bank as compared to bank of Ghana‘s requirements in comparison with its credit policy and procedures.For the purpose of the study both primary and secondary data are used. Primary data is collected using semi structured questionnaires. The secondary data is collected from annual reports, directives, and bulletins of the bank. Descriptive statistical tools are used in analyzing the data collected. Hence, the nature of the Study is descriptive.Finally, based on the findings possible recommendations are given. These include the issues impeding loan growth and rising loan clients complaint on the bank regarding the valuing of properties offered for collateral, lengthy of loan processing, amount of loan processed and approved, loan period, and discretionary limits affecting the performance of credit management.
Description: Thesis Submitted to Department of Accounting and Finance, Kwame Nkrumah University of Science and Technology in partial fulfillment of the requirements for the degree of Master of Business Administration (Finance Option), 2015
URI: http://hdl.handle.net/123456789/8567
Appears in Collections:College of Arts and Social Sciences

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